Page 69 - Hybrid PBD Matematik TG3_Edisi Guru

Matematik Tingkatan 3 Bab 3
Jawapan/ Answer: Jawapan/ Answer:
(i) Jumlah bilangan unit amanah saham P Pinjaman yang dibuat / Borrowing amount
yang dibeli oleh Encik Mohamad = 95% × RM98 000
Total number of units of unit trust bought by Encik = RM93 100
Mohamad

= 12 × RM400 Jumlah pinjaman yang perlu dibayar
Total loan needed to pay
RM0.75 = RM93 100 + RM93 100 × 2.85% × 7
= 6 400 unit/units = RM111 673.45

(ii) Jumlah dividen yang diterima oleh
Encik Mohamad
Total dividend received by Encik Mohamad 11. (a) Aminah mempunyai RM5 000 dalam akaun
= 6 400 × RM0.095 simpanannya. Berapa lama diperlukan
= RM608 supaya simpanannya itu berganda dengan
kadar faedah mudah 2% setahun?
Aminah has RM5 000 in her savings account. How long is
needed to make her savings double if the simple interest
rate is 2% per annum?
(b) Rajeswari menyimpan RM40 000 di suatu [2 markah/ 2 marks]
akaun simpanan tetap dengan kadar faedah Jawapan/ Answer:
3% setahun dan pengkompaunan setiap 4 Katakan t = masa/ Let t = time,
bulan. Hitung nilai matang Rajeswari selepas 2(5 000) = 5 000 + (5 000)(0.02)(t)
3 tahun. 10 000 = 5 000 + 100t
Rajeswari deposits RM40 000 in a fixed deposit account 100t = 5 000
with an interest rate of 3% per annum and compounded
every 4 months. t = 50 tahun/ 50 years
Calculate the maturity value of Rajeswari after 3 years.
[2 markah/ 2 marks]
Jawapan/ Answer:
Nilai matang / Maturity value (b) Institusi kewangan A menawarkan satu
pelan pinjaman peribadi dengan faedah
1
= RM40 000 1 + 0.03 2 (3)(3) sama rata kepada pelanggannya. Diberi
3
= RM43 747.41 bayaran ansuran untuk pinjaman peribadi
sebanyak RM150 000 untuk tempoh 10
tahun ialah RM1 576.40 sebulan, cari kadar
faedah tahunan bagi pinjaman peribadi
yang ditawarkan.
(c) Jadual di bawah menunjukkan harga dan Financial Institution A offers a personal loan plan with
flat interest to the customers. Given that the instalment
wang pendahuluan sebuah kereta. for a personal loan of RM150 000 and a loan period of
The table below shows the price and the down payment 10 years is RM1 576.40 per month, find the yearly interest
of a car. rate of the personal loan offered.
Harga Wang pendahuluan [4 markah/ 4 marks]
Price Down payment Jawapan/ Answer:
RM98 000 5%
Jumlah bayaran balik
Annie membeli kereta tersebut. Dia Total repayment
membayar wang pendahuluan dengan kad = 1 576.40 × 12 × 10
debit dan bakinya dibayar secara ansuran = RM189 168
selama 7 tahun dengan kadar faedah sama
rata 2.85% setahun. Katakan r = kadar faedah tahunan,
Let r = yearly interest rate,
Hitung jumlah pinjaman yang perlu dibayar
balik oleh Annie. 189 168 = 150 000 + 150 000(r)(10)
Annie bought the car. She paid the down payment by r = 189 168 – 150 000
debit card and the balance is payable in instalments over 150 000(10)
7 years with a flat interest rate of 2.85% per annum. = 0.026
Calculate the total loan needed to pay by Annie. = 2.6%
[4 markah/ 4 marks]

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